AHIP FINAL EXAM FULLY SOLVED EXAM PAPER
GRADED A+
◉ Mrs. Quinn recently turned 66 and decided after many years of
work to retire and begin receiving Social Security benefits. Shortly
thereafter Mrs. Quinn received a letter informing her that she had
been automatically enrolled in Medicare Part B. She wants to
understand what this means. What should you tell Mrs. Quinn?
Answer: Part B primarily covers physician services. She will be
paying a monthly premium and, except for many preventive and
screening tests, generally will have 20% co-payments for these
services, in addition to an annual deductible.
◉ Mr. Patel is in good health and is preparing a budget in
anticipation of his retirement when he turns 66. He wants to
understand the health care costs he might be exposed to under
Medicare if he were to require hospitalization because of an illness.
In general terms, what could you tell him about his costs for
inpatient hospital services under Original Medicare?
Answer: Under Original Medicare, there is a single deductible
amount due for the first 60 days of any inpatient hospital stay, after
which it converts into a per-day coinsurance amount through day
90. After day 90, he would pay a daily amount up to 60 days over his
lifetime, after which he would be responsible for all costs.
,◉ What impact, if any, have recent regulatory changes had on
Medigap plans?
Answer: The Part B deductible is no longer covered for individuals
newly eligible for Medicare starting January 1, 2020.
◉ Mrs. Paterson is concerned about the deductibles and co-
payments associated with Original Medicare. What can you tell her
about Medigap as an option to address this concern?
Answer: Medigap plans do not cover Original Medicare benefits, but
they coordinate with Original Medicare coverage.
◉ Mrs. Turner is comparing her employer's retiree insurance to
Original Medicare and would like to know which of the following
services Original Medicare will cover if the appropriate criteria are
met. What could you tell her?
Answer: Original Medicare covers ambulance services.
◉ Ms. Brooks has aggressive cancer and would like to know if
Medicare will cover hospice services in case she needs them. What
should you tell her?
Answer: Medicare covers hospice services, and they will be available
for her.
◉ Mr. Diaz continued working with his company and was insured
under his employer's group plan until he reached age 68. He has
, heard that there is a premium penalty for those who did not sign up
for Part B when first eligible and wants to know how much he will
have to pay. What should you tell him?
Answer: Mr. Diaz will not pay any penalty because he had
continuous coverage under his employer's plan.
◉ Anita Magri will turn age 65 in August 2023. Anita intends to
enroll in Original Medicare Part A and Part B. She would also like to
enroll in a Medicare Supplement (Medigap) plan. Anita's older
neighbor Mel has told her about the Medigap Plan F in which he is
enrolled. It not only provides foreign travel emergency benefits but
also covers his Medicare Part B deductible. Anita comes to you for
advice. What should you tell her?
Answer: You are sorry to disappoint Anita, but a Medigap F plan is
no longer available to those who turn age 65 after January 1, 2020.
Anita might instead consider other Medigap plans that offer foreign
travel benefits but do not cover the Part B deductible.
◉ Hank's Fish Store, Inc. is a small company with just 15 employees
located in Florida. Hank, the store owner, has provided excellent
health benefits to the store's workforce. William, one of the store's
long-time employees, will soon be reaching age 65 and eligible for
Medicare. William is in good health. He intends to remain an active
full-time employee, working several years after becoming eligible for
Medicare. What type(s) of retiree health benefit will Hank's Fish
Store be able to offer William?
GRADED A+
◉ Mrs. Quinn recently turned 66 and decided after many years of
work to retire and begin receiving Social Security benefits. Shortly
thereafter Mrs. Quinn received a letter informing her that she had
been automatically enrolled in Medicare Part B. She wants to
understand what this means. What should you tell Mrs. Quinn?
Answer: Part B primarily covers physician services. She will be
paying a monthly premium and, except for many preventive and
screening tests, generally will have 20% co-payments for these
services, in addition to an annual deductible.
◉ Mr. Patel is in good health and is preparing a budget in
anticipation of his retirement when he turns 66. He wants to
understand the health care costs he might be exposed to under
Medicare if he were to require hospitalization because of an illness.
In general terms, what could you tell him about his costs for
inpatient hospital services under Original Medicare?
Answer: Under Original Medicare, there is a single deductible
amount due for the first 60 days of any inpatient hospital stay, after
which it converts into a per-day coinsurance amount through day
90. After day 90, he would pay a daily amount up to 60 days over his
lifetime, after which he would be responsible for all costs.
,◉ What impact, if any, have recent regulatory changes had on
Medigap plans?
Answer: The Part B deductible is no longer covered for individuals
newly eligible for Medicare starting January 1, 2020.
◉ Mrs. Paterson is concerned about the deductibles and co-
payments associated with Original Medicare. What can you tell her
about Medigap as an option to address this concern?
Answer: Medigap plans do not cover Original Medicare benefits, but
they coordinate with Original Medicare coverage.
◉ Mrs. Turner is comparing her employer's retiree insurance to
Original Medicare and would like to know which of the following
services Original Medicare will cover if the appropriate criteria are
met. What could you tell her?
Answer: Original Medicare covers ambulance services.
◉ Ms. Brooks has aggressive cancer and would like to know if
Medicare will cover hospice services in case she needs them. What
should you tell her?
Answer: Medicare covers hospice services, and they will be available
for her.
◉ Mr. Diaz continued working with his company and was insured
under his employer's group plan until he reached age 68. He has
, heard that there is a premium penalty for those who did not sign up
for Part B when first eligible and wants to know how much he will
have to pay. What should you tell him?
Answer: Mr. Diaz will not pay any penalty because he had
continuous coverage under his employer's plan.
◉ Anita Magri will turn age 65 in August 2023. Anita intends to
enroll in Original Medicare Part A and Part B. She would also like to
enroll in a Medicare Supplement (Medigap) plan. Anita's older
neighbor Mel has told her about the Medigap Plan F in which he is
enrolled. It not only provides foreign travel emergency benefits but
also covers his Medicare Part B deductible. Anita comes to you for
advice. What should you tell her?
Answer: You are sorry to disappoint Anita, but a Medigap F plan is
no longer available to those who turn age 65 after January 1, 2020.
Anita might instead consider other Medigap plans that offer foreign
travel benefits but do not cover the Part B deductible.
◉ Hank's Fish Store, Inc. is a small company with just 15 employees
located in Florida. Hank, the store owner, has provided excellent
health benefits to the store's workforce. William, one of the store's
long-time employees, will soon be reaching age 65 and eligible for
Medicare. William is in good health. He intends to remain an active
full-time employee, working several years after becoming eligible for
Medicare. What type(s) of retiree health benefit will Hank's Fish
Store be able to offer William?
